I have paid almost $3000 to them, $200 every two weeks, did not know about validating the debt etc until finding this forum recently, and have never received any documentation despite many verbal requests. Knowing what I do now with the suit against them etc I do not want to send them anymore money, but I'm terrified that if I don't this Friday (I send it every other Friday by MoneyGram) that they will start their harassment again and cause all kinds of embarassment and problems for me at work or even call my family....can anyone advise?

What are the usual charges to be paid in the consolidation program? Roger11

What impact will debt consolidation have on my credit report?

I know, I am probably being a worry wort, but is it all really this simple?? :?: I got a phone call from the company, and the information to fax them, and it just seems too simple. :shock:

What is the best way to Consolidated debt? Where can you get a free copy of your credit report online.

What is the time alloted to complete the program? Can I change my payment dates and amount in the middle of the program? If I have surplus money in the future, can I change the plan? If my financial position declines, can I reduce the monthly payment? Thank

You include the bills that are in collections in the program...right?? So, are you a collection agency?

If I use your consolidation program, how will I know that my bills are getting paid to the creditors. Last time, my money didn't reach to my creditors and I had to pay huge penalty charges.

Has anyone dealt with zippy check?

Hey all, glad this source is here to help. My girlfriend is in debt with 5 credit cards and we're looking into the best option. First off, we want to avoid bankruptcy at all costs. I'm a little iffy on debt settlement, mainly because it is seems like such a gray area. The reduced debt isn't guaranteed and it has the potential to negatively affect your credit rating. This leads me to debt consolidation, however I have a couple questions:. - Does Consolidation actually reduce the total amount of credit card debt?